Use a 52 yuan experience coupon
Want to fix stretch marks
Unexpectedly, in the end,
Not only spent more than 21,000 yuan in vain
also fell into the trap of online consumer loan
When experiencing, he was persuaded to loan nearly 20,000 yuan online
Consumers regretted saying they were induced
Ms. Huang, Taizhou City, Zhejiang Province, is a young mother in her 20s, currently working in Cixi. After giving birth, the stretch marks on the belly and thighs were more obvious, and Ms. Huang has always been very upset about this.
On October 5 last year, she saw the "Qianfu International Stretch Mark Repair" advertisement while browsing a short video platform, claiming that the repair of stretch marks is very effective and also provided a 52 yuan experience coupon.
Ms. Huang: "This video advertisement is very attractive, so I was moved and wanted to try it." The day after I saw the advertisement, according to the advertisement information, Ms. Huang found "Jingwen Beauty" located on the 18th floor of the Nanyuan Global Hotel in Ningbo.
Ms. Huang: "At that time, a manager welcomed me warmly and showed up and said that he had done stretch mark repair. Seeing that the manager's skin was indeed very smooth and there was no trace of stretch marks at all, I was moved."
"At that time, the staff promised that my stretch marks could be repaired by 80%. "
Ms. Huang began her first experience with the staff.
. When the experience was done, the staff introduced to her that the total amount of the entire service was 21,800 yuan. When she learned that Ms. Huang didn’t have enough money, the other party recommended her to apply for an online micro loan on site.
Finally, Ms. Huang swiped her card to pay 3,052 yuan, and the remaining funds were provided by the staff to help her apply for an online micro-loan.
Ms. Huang said that she was still lying on the physiotherapy table at that time, but she just recited a passage according to the guidance of the staff. As for what this passage said, she can no longer remember clearly.
Ms. Huang: "I was really a little impulsive at that time. Under their persuasion, I agreed to apply for a loan. They took my ID card, bank card, and mobile phone, and asked me to read it out according to a passage on their mobile phone..." After
, Ms. Huang realized that she was downloading an APP called "Installation Super G Membership", which had a total loan of 18,800 yuan, and was paid in 18 months, with a monthly repayment of about 1,330 yuan.
Ms. Huang: "I thought about it later that I was really too impulsive at that time and was induced by them to do this loan."
repair was not as good as expected, but I encountered a difficulty in refunding money
Received the online loan company's collection information
After several repairs, Ms. Huang found that her problem had not been significantly improved.
"Every time they repaired, they had to use instruments to prick me. It not only hurts, but also has redness, swelling and bleeding. I don't want to continue doing it!" Ms. Huang said, and every time she did repair, she had to come to Ningbo city from Cixi, which felt very inconvenient. So, she asked to stop the service and asked for termination of the loan, but the store did not respond positively.
Ms. Huang: "I thought that after I told them, the matter would be settled automatically and the loan could be terminated. Unexpectedly, the money had been transferred to the merchant at one time, and I still have to repay the monthly loan myself."
Ms. Huang recently received a collection information from an online loan company, asking to repay the loan as soon as possible, otherwise the bad records would affect her personal credit.
Only then did Ms. Huang realize the seriousness of the problem.
htmlOn March 27, after she returned the latest loan and paid nearly 300 yuan in overdue fees, she complained and reported through various means when she had no success in negotiations with the repair agency, and asked for help from the Taizhou Consumer Protection Committee for intervention.After investigation, the Consumer Protection Committee found abnormalities
contacted the person in charge but failed. After receiving the complaint, the staff of the Taizhou Consumer Protection Committee found after preliminary investigation that the main body of signing the "Jingwen International Contract Contract" with Ms. Huang was "Ningbo Wenyan Beauty Co., Ltd." (hereinafter referred to as Wenyan Beauty), which the company labeled "Qianfu International Stretch Mark Repair Center" on the contract.
Wenyan Beauty was established on December 17, 2019 with a registered capital of 100,000 yuan. The legal representative and major shareholder are both Wu Moumou, and it was cancelled on March 5, 2021.
is located in Room 1806 next to this cancelled company. Ningbo Liangfu Wuwen Beauty Co., Ltd. (hereinafter referred to as Liangfu Beauty) was established on July 27, 2020 with a registered capital of 100,000 yuan. The legal representative is You Moumou, and his major shareholder is also Wu Moumou. The company was cancelled on March 3, 2021.
The beauty shop service staff handled the online loan for Ms. Huang, and is operated by Shanghai Zhike Intelligent Technology Group Co., Ltd. (hereinafter referred to as Zhike Company). On October 6, 2020, Jike Company provided loan assistance services and handled a loan of 18,800 yuan for Ms. Huang with a repayment period of 18 months. The loan was transferred to Wenyan Beauty's company account on October 12 of that year.
Taizhou Consumer Protection Committee staff contacted Wu Moumou, the largest shareholder of Wenyan Beauty, but failed and contacted Jike Company. The other party expressed his assistance to Ms. Huang to refund and cancel the loan as agreed in the loan contract. After calculation, Ms. Huang has repaid 6,929.35 yuan, and will need to repay 13,904.59 yuan before April 9, 2021 to refund and settle the loan and settle the account.
Major shareholders have companies in many places
Business time is short and there are many "abnormal operations"
When contacting Wu was blocked, the Taizhou Consumer Protection Committee received a number of refund complaints about Taizhou Qianfu Beauty Co., Ltd. (hereinafter referred to as Taizhou Qianfu). The company's legal representative is Liang, and the major shareholder is also Wu. The company issued a cancellation registration announcement on March 4, 2021 to prepare for liquidation. Now, due to the involvement of multiple complaints, liquidation and cancellation are temporarily suspended and are intended to be included in the list of abnormal operations.
Then, the reporter came to the institution on the 18th floor of Nanyuan Global Hotel to learn about the situation. The front desk staff said that the person in charge was not there and could not accept the interview. The reporter left his contact information and hoped to communicate with the person in charge, but as of press time, no one had contacted the reporter.
reporter found that in June 2020, the institution was also complained by consumers for the same reason. At that time, the company was also called "Qianfu International Stretch Mark Repair Center".
According to public information, Wu Moumou, the major shareholder of Wenyan Beauty involved in the case, holds large shares of many beauty business enterprises in Ningbo, Taizhou, Wenzhou, Jiaxing, Yangzhou, Xiamen, Zhengzhou, Hefei and other places. Most of these enterprises were established from August to November 2019 and June to July 2020, and were cancelled from September 2020 to March 2021, with a short operating time of less than half a year.
Wu Moumou holds a general registered capital of 100,000 yuan, and his shares are mostly 80%-99%. Most of the legal representatives of the company are held by others. Except for Wenzhou and Yangzhou Qianfu Beauty, which is listed as abnormal business, Taizhou Qianfu intends to be listed as abnormal business, and Jiaxing Qianfu is conducting a simple cancellation announcement, the rest have been cancelled. However, after the company was cancelled, the prepayment did not complete the service before, causing losses to many consumers and posed hidden dangers in disputes.
Consumption Warning
is different from the business methods of getting a card crazy the day before, and closing the door and losing contact the next day. The company involved is normally established and cancelled. However, the high-frequency opening and closing of many places, behind the seemingly legal operations, the methods are more concealed, the legal responsibilities and risks are less, but they also cause actual losses to consumers.
Taizhou Consumer Protection Committee reminds:
should carefully choose beauty service institutions and have a comprehensive understanding of their qualifications and reputation;
should carefully choose beauty online loans and not just listen to the verbal promises of sales personnel;
should clarify whether their own beauty needs match the other party's beauty services, and cannot consume impulsely;
should sign a contract with clear project, detailed content, equal rights and obligations, and properly retain payment vouchers and consumption records.
Source: China Consumer News
